Rates
Competitive rates that support your goals.
As a member-owned credit union, we offer competitive rates to help you save smart, borrow confidently, and make meaningful progress toward your financial goals.
Rate Effective Date: October 30, 2025
Current Rates
Loans - Auto Loans, Recreational Vehicles, & Personal Loans
| Vehicle Loans | APR1 as low as | Term |
|---|---|---|
| 2024-2025 Model Years | 4.99%2 | 1-48 months |
| 2024-2025 Model Years | 5.24%2 | 49-60 months |
| 2024-2025 Model Years | 5.49%2 | 61-72 months |
| 2024-2025 Model Years | 5.74% | 73-84 Months |
| 2017-2023 Model Years | 4.99% | 1-48 Months |
| 2017-2023 Model Years | 5.24%2 | 49-60 Months |
| 2017-2023 Model Years | 5.49% | 61-72 Months |
| 2017-2023 Model Years | 5.74%2 | 73-84 months |
| 2011-2016 Model Years | 7.99%2 | 1-60 months |
| First-Time Auto Buyer Loans | APR1 as low as | Term |
|---|---|---|
| 2017-2025 Model Years | 11.49%2 | 1-48 months |
| 2017-2025 Model Years | 12.49%2 | 49-60 months |
| Classic Vehicle Loans | APR1 as low as | Term |
|---|---|---|
| 1999 or Older Model Years | 6.99%2 | 1-60 months |
| 1999 or Older Model Years | 6.99%2 | 61-84 months |
| 1999 or Older Model Years | 6.99%2 | 85-120 months |
| New and Used Boats, Campers, Motorhomes, and 5th Wheels | APR1 as low as | Term |
|---|---|---|
| 2016-2025 Model Years | 6.74% | 1-60 months |
| 2016-2025 Model Years - minimum loan $10,000 | 7.24% | 61-84 months |
| 2016-2025 Model Years - minimum loan $20,000 | 8.49% | 85-120 months |
| 2016-2025 Model Years - minimum loan $40,000 | 9.24% | 121-144 months |
| 2016-2025 Model Years - minimum loan $50,000 | 9.74% | 145-180 months |
| 2015 and Older Model Years | 8.24% | 1-60 months |
| New and Used Motorcycles, Jet Skis, and Snowmobiles | APR1 as low as | Term |
|---|---|---|
| 2022-2025 Model Years | 7.74%2 | 1-60 months |
| 2022-2025 Model Years - minimum loan $20,000 | 8.24%2 | 61-72 months |
| 2022-2025 Model Years - minimum loan $40,000 | 9.49%2 | 73-96 months |
| 2021 and Older Model Years | 9.74%2 | 1-60 months |
| Personal Loans | APR1 as low as | Term |
|---|---|---|
| Personal Line of Credit | 13.99%2 | n/a |
| Credit Builder | 5.99% | 1-60 months |
| Other Secured - yard equipment, vehicles, utility trailer | 9.49%2 | 1-60 months |
| Savings Secured | 5.99% | 1-60 months |
| Personal Term Loan | 14.99%2 | 1-12 months |
| Personal Term Loan | 14.99%2 | 13-24 months |
| Personal Term Loan | 14.99%2 | 25-48 months |
| Personal Term Loan | 14.99%2 | 49-60 months |
| Personal Term Loan - minimum loan $10,000 for loan | 19.99%2 | 60 Balloon/120 Amortization |
1. APR = Annual Percentage Rate. All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account.
2. Quoted rates include a 0.25% member loyalty rate discount when auto pay is set up to cover the full payment amount of all Vibe loans. Members can receive an additional 0.25% member loyalty rate discount off the stated rate by having a mortgage and/or home equity loan with a balance of $25,000 or greater. The loyalty discount for having a mortgage and/or home equity cannot be applied to the Refinance and Calculate the Savings promotion. A processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted.
2. Quoted rates include a 0.25% member loyalty rate discount when auto pay is set up to cover the full payment amount of all Vibe loans. Members can receive an additional 0.25% member loyalty rate discount off the stated rate by having a mortgage and/or home equity loan with a balance of $25,000 or greater. The loyalty discount for having a mortgage and/or home equity cannot be applied to the Refinance and Calculate the Savings promotion. A processing charge of $100 may apply if a refinance of an existing Vibe loan is permitted.
Home Equity Loans
Flex-Lock Home Equity Line of Credit
| Term | APR1 as low as |
|---|---|
| 5 Years | 6.00% |
| 10 Years | 6.25% |
| 15 Years | 6.50% |
| Line of Credit | 6.50% |
1. APR = Annual Percentage Rate. All rates are based on individual credit history. Rates apply to first lien position and require acceptable collateral. Rates and terms are subject to change at any time without notice. Membership eligibility is required. New members must qualify for membership and deposit $5 into a Vibe Savings Account. NMLS ID: 405039 & 149532.
| Visa® Credit Cards | APR1 as low as |
|---|---|
| Current Prime Rate | 7.00% |
| CashRewards | 16.00%2 |
| Platinum | 13.00%2 |
1. APR = Annual Percentage Rate. 2. All rates are based on individual credit history and subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account.
Regular and IRA Certificates of Deposit
Balances $200 - $99,999
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.84% | 3.90% |
| 12-17 Month | 3.74% | 3.80% |
| 18-23 Month | 3.70% | 3.75% |
| 24-29 Month | 3.36% | 3.40% |
| 30-35 Month | 1.65% | 1.66% |
| 36-47 Month | 1.70% | 1.71% |
| 48-59 Month | 1.80% | 1.81% |
| 60 Month | 1.90% | 1.91% |
Balances $100,000 - $249,999
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.84% | 3.90% |
| 12-17 Month | 3.74% | 3.80% |
| 18-23 Month | 3.70% | 3.75% |
| 24-29 Month | 3.36% | 3.40% |
| 30-35 Month | 1.65% | 1.66% |
| 36-47 Month | 1.70% | 1.71% |
| 48-59 Month | 1.80% | 1.81% |
| 60 Month | 1.90% | 1.91% |
Balances $250,000 and Above
| Certificate Terms | Dividend Rate | APY1 |
|---|---|---|
| 6-11 Month | 3.84% | 3.90% |
| 12-17 Month | 3.74% | 3.80% |
| 18-23 Month | 3.70% | 3.75% |
| 24-29 Month | 3.36% | 3.40% |
| 30-35 Month | 1.65% | 1.66% |
| 36-47 Month | 1.70% | 1.71% |
| 48-59 Month | 1.80% | 1.81% |
| 60 Month | 1.90% | 1.91% |
1. APY = Annual Percentage Yield. All rates are subject to change at any time without notice. Valid for qualified Michigan residents or existing Vibe members. Certificates are subject to early withdrawal penalties. Brokered Accounts or Institutional Investors are not eligible for any Certificate. Fees could reduce the earnings on the account. A minimum balance of $5 in a Savings Account is required to receive applicable APY.
Deposit Accounts
| Savings2 | Dividend Rate | APY1 |
|---|---|---|
| Savings | 0.05% | 0.05% |
| Holiday Savings | 0.05% | 0.05% |
| High Yield Savings Accounts3 | Dividend Rate | APY1 |
|---|---|---|
| Balances $0-$49,999.99 | 2.00% | 2.02% |
| Balances $50,000-$99,999.99 | 2.00% | 2.02% |
| Balances $100,000-$249,999.99 | 0.75% | 0.75% |
| Balances $250,000.00 or more | 0.75% | 0.75% |
| Youth High Yield Savings Accounts3 | Dividend Rate | APY1 |
|---|---|---|
| Balances $0-$2,499.99 | 3.00% | 3.04% |
| Balances $2,500 or more | 0.05% | 0.05% |
| Money Market Accounts | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $4,999.99 | 0.35% | 0.35% |
| Balances up to $24,999.99 | 0.55% | 0.55% |
| Balances up to $49,999.99 | 0.60% | 0.60% |
| Balances up to $99,999.99 | 0.65% | 0.65% |
| Balances $100,000 or more | 0.75% | 0.75% |
| FU$E MMA | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $499.99 | 0.40% | 0.40% |
| Balances up to $2,499.99 | 0.50% | 0.50% |
| Balances $2,500 or more | 0.65% | 0.65% |
| High Yield Reward Checking4 | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $7,500.00 | 6.31% | 6.50% |
| Qualifications Not Met | 0.00% |
0.00%
|
| Individual Retirement Account | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $4,999.99 | 0.35% | 0.35% |
| Balances up to $24,999.99 | 0.55% | 0.55% |
| Balances up to $49,999.99 | 0.60% | 0.60% |
| Balances up to $99,999.99 | 0.65% | 0.65% |
| Balances $100,000 or more | 0.75% | 0.75% |
| Business Savings2 | Dividend Rate | APY1 |
|---|---|---|
| Business Savings | 0.05% | 0.05% |
| Business High Yield Savings Accounts3 | Dividend Rate | APY1 |
|---|---|---|
| Balances $0-$49,999.99 | 2.00% | 2.02% |
| Balances $50,000-$99,999.99 | 2.00% | 2.02% |
| Balances $100,000-$249,999.99 | 0.75% | 0.75% |
| Balances $250,000 or more | 0.75% | 0.75% |
| Business MMA | Dividend Rate | APY1 |
|---|---|---|
| Balances up to $4,999.99 | 0.35% | 0.35% |
| Balances up to $24,999.99 | 0.55% | 0.55% |
| Balances up to $49,999.99 | 0.60% | 0.60% |
| Balances up to $99,999.99 | 0.65% | 0.65% |
| Balances $100,000 or more | 0.75% | 0.75% |
1. APY = Annual Percentage Yield. Interest rates on all savings accounts are declared at the end of the month. All rates are subject to change at any time without notice. Fees could reduce the earnings on the account.
2. A minimum balance of $5 in a Savings Account is required to receive applicable APY.
2. A minimum balance of $5 in a Savings Account is required to receive applicable APY.
3. Each interest rate will apply only to that portion of the account balance within each balance range. Limit one per primary account holder, personal or business.
4. If all requirements (click here to read all requirements and qualifications) have not been met for the month, the High Yield Reward Bonus and non-Vibe ATM fee refunds will not be credited for that month. On non-qualifying months, no dividends or rewards will be paid.